The New Age of Lending: How has the World Changed for the Online Lending Industry?

The world has shifted: How have fintech companies evolved from the original marketplace lending definition?

How have the underwriting themes evolved throughout 2018? Have these weakened or maintained lending volumes?

Originator pools: Sink or swim? Did asset classes perform well compared to their forecasts?

How have innovative data solutions like blockchain and artificial intelligence started to affect market participants? Micro-economic versus macro-economic: What trends in the online lending space are enabling platforms, or hindering their progress?

Is macro volatility starting to re-enter the market? Will rising interest rates and tariffs affect the market’s economic growth?

Legal challenges and developments on various models

Is the increasing growth in fintech lending companies leading to a greater supply of ABS?

Peter Renton

Founder

Lend Academy

Al Goldstein

Chairman, Chief Executive Officer

Avant Holding Co., Amount

Jessica Jiang

Head of Capital Markets & Bank Partnerships

Square Capital

Krista Morgan

Chief Executive Officer & Co-Founder

P2Binvestor

Rosemary Kelley

Senior Managing Director & Co-Head of ABS

Kroll Bond Rating Agency

Mark Simmer

Managing Director

Macquarie Group

9:55 AM

The CEO’s Roundtable: Expanding Your Business Model

Are business models looking to expand to other lending products, round-out their financial services offerings, or specialize?

How are CEOs differentiating their products? What are their various marketing strategies to adapt to their customers’ needs and keeping customer acquisition costs low?

Platform survival kit: Build, partner, buy or get bought? Guidance to stay ahead of the game

How are CEOs funding their lending activities? Is balance sheet funding a more prevalent option versus the marketplace model that the online industry originated as?

Controlling operating costs: How are platforms remaining profitable?

Keeping market costs low and credit quality high in a competitive borrower landscape

Hosted by FIIN Managing Director Jim Muller. Jim will discuss how FIIN members can surface industry issues. FIIN’s objective is to foster a well-functioning market place for all investors, encourage a balanced representation of the full range of investors and to focus on the long term interest of the broad client base rather than the short-term commercial interests.

*Closed to the press. Open to all Online lending investor attendees but requires advance registration. RSVP with Daisy Carpenter daisy.carpenter@imn.org

Is online lending ABS now considered a vanilla asset class, or as fintech lenders start to securitize their own loans more does it help to retain an esoteric nature? How do spreads reflect this?

Will bank partnerships lead to increased securitizations?

Key structural and legal considerations for insuring the performance and post deal surveillance of the loan portfolios

What investors look for with respect to transparency to understand and assess credit risk

Collateral performance and equity returns

Are there concerns about the turn in the credit cycle impacting performance?

Alistair Dunlop

Counsel

Clifford Chance US LLP

Ian Rasmussen

Senior Director

Fitch Ratings

Karan Mehta

Head of Capital Markets

Marlette Funding

Douglas Goodman

Managing Director

Arcadia Funds LLC

John Schrader

Managing Director

Duff & Phelps, LLC

2:15 PM Track B

Best Use Cases of Distributed Ledger Technology in Online Lending

Where and how is blockchain being incorporated into this type of securitization to improve the online lending process? The loan sale and securitization process?

Is blockchain here to stay?

Will blockchain maximize transparency and ease of collateral enough to improve investor confidence?

Fixed income investment opportunities in blockchain

What other technological innovations are in the pipeline?

Steve Ehrlich

Chief Operating Officer

Wall Street Blockchain Alliance

Zac Prince

Founder & Chief Executive Officer

BlockFi

Saket Sinha

Global Vice President - Blockchain

IBM

Charlie Moore

Chief Executive Officer

Global Debt Registry

Blake Cohen

Co-Founder & Head of Business Development

SALT

3:00 PM Track A

Alternative Funding Approaches: From Private Equity to M&A

Has 2018 seen a robust enough demand by venture capital and private equity firms to sustain the online lending market?

Are online lenders using more of their own capital at the point of loan origination versus solely relying on outside capital?

Is this hybrid funding model a more stable approach compared to exclusive financing?

Mergers & acquisitions as a key to survive: Has M&A been the savior to platforms facing uncertain futures?

How has a platform’s decision to enter into a merger affected their individual business plans? Pros versus cons

Charles Wendel

President

FIC ADVISORS, INC

Kevin Phillips

Head of Corporate Development

Kabbage, Inc.

Felix Zhang

Managing Director

Ares Management

3:00 PM Track B

The Role of Blockchain & AI as a Cybersecurity Solution

What strategies and technologies should an online lender be incorporating into their business model to protect their vulnerabilities and improve cybersecurity measures? What areas of the business can benefit from this solution?

Will the convergence of blockchain and AI help to assess the creditworthiness of a borrower?

Will the combination of these two mega-trends deliver a better customer relationship experience and brand loyalty?

Jennifer Mitrenga Maymon

Head of Americas, Provenance.io

Figure

Matthew Ghourdjian

Chief Information Officer

Fintech Credit Innovations

Steve Cohen

EVP & COO, Co-Founder

Basis Technology

Nelson Chu

Founder & Chief Executive Officer

Cadence

3:45 PM

Refreshment Break Hosted By:

4:05 PM

The Online Lending Investors’ Roundtable

How do investors place their bets on the winning platforms?

Investor challenges: What strategies can a platform provide to assure investors they have the ability to battle through the initial hurdles in this industry?

Investor criteria versus data abundancy: If platforms don’t have a track record of lending through a downturn in the cycle, how might this influence the next cycle? What criteria is required to make investors comfortable?

Are ratings for these bonds reliable based on lack of historical information?

Relative value standpoint: What makes sense about investing in online lending deals? How does this compare to a brick and mortar lender? Is liquidity still similar on the risk adjusted basis?

*Hosted by

Ramya Gopalakrishnan

Director, Investment Management

Macquarie Group

David Aidi

Partner

Atalaya Capital Management LP

Jeremy Todd

Head of Capital Markets

Prime Meridian Capital Management

Jeffrey Marron

Chief Executive Officer

Sheridan Asset Management,LLC

Francisco Paez

Director

MetLife

Florence Chan

Vice President

PGIM Fixed Income

4:55 PM

Conference Concludes and Networking Reception Commences

My Agenda

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Information Management Network - Privacy Notice

Introduction - Who we are

Euromoney Institutional Investor PLC (“Euromoney”, “we”, “us” or “our”) is
an international business-information group covering asset management,
price discovery, data and market intelligence, and banking and finance.
The group also runs an extensive portfolio of events for the telecoms,
financial and commodities markets.

For a full list of our brands and group companies, please click on this link.
Euromoney and its group companies are committed
to respecting the privacy of every person who visits, registers with or
subscribes to our websites, publications, events and other products or
services.

Euromoney is the primary data controller of personal data collected
through this website or that we may collect in different ways as
described in this Privacy Notice. If you are contacted by our other
group companies, they will also be controllers of your personal data.
This means that they are responsible for how your personal data is
used, just as we are. You may contact any of these companies directly,
or you can contact Euromoney by emailing dataprotectionofficer@euromoneyplc.com
or writing to the Data Protection Officer at Euromoney Institutional
Investor PLC, 8 Bouverie Street, London EC4Y 8AX, United Kingdom.

This Privacy Notice was updated on 23 May 2018

Our Approach to Your Privacy

This Privacy Notice outlines the information we may collect about
you in relation to your use of our products and services (“personal
data”). It also explains the legal rights that you have in
relation to your data and how you may exercise these rights.

Some of our group companies may collect and use personal data for
different purposes; those companies have their own websites and privacy
notices.

We will process your data for the following lawful purposes: with
your consent; to fulfil our obligations to you; and where there is a
legitimate interest to do so.

When possible, we rely on your consent to use your data for the
purposes described in this Privacy Notice. We also process personal
data to fulfil our contractual obligations to you, for example, when
you register for any of our services, subscribe to a publication,
sign-up for an event or purchase a product from us, we will need to
process some of your personal data. This will also include details of
the person/people responsible for payment (if different).

We may determine that processing your personal data serves both of
our legitimate interests. This is the case in relation to many of our
research, customer survey, sales, marketing and advertising activities
described in this Privacy Notice. These activities allow us to better
understand your requirements, which in turn enables us to provide you
with a better service. We review the bases for our processing decisions
carefully and you can object to these activities at any time (see the
“Your Rights” section of this Privacy Notice).

What Personal Data We Collect & Why

Our primary goal in collecting personal data from you is to give
you a relevant customised experience of our products and services.

Registration, Free Trials & Subscriptions

When you register with our website and/or sign up for a free
trial of our products or services, we may ask you to provide your name,
address, email address and telephone number, and details relevant to
your occupation or employer.

If you subscribe to one of our products or services, we will
also ask for payment details. Credit/debit card payments are processed
using a third party supplier and we do not retain the credit card data
(see the Third Party Sites of this Privacy Notice). Address details may
be shared with third party service providers engaged by us for order
fulfilment, delivery and payment collection. This personal data is used
by us to complete subscription requests.

Events & Conferences

If you have registered for an event through a group website we
may collect personal data including: name, job title, company, address,
telephone number and email.

This information is necessary so that we can complete your
registration for the event and provide you with relevant event
materials.

We may also provide delegate details (e.g. name, email) to
event sponsors who, subject to your consent, may contact you for their
own advertising and marketing purposes.

Advertising & Marketing

We use the personal data you provide us and which we collect
from you to inform you about similar products and services which we
provide. We may send you marketing communications that are sponsored by
our partners and which are targeted to your interests based on
information you have provided us such as job title, employer and/or
industry. If you have consented to receive information from other Euromoney
group companies, we may share your personal data with these
companies so that they can fulfil your request to receive marketing
materials in accordance with your preferences. We will not share your
personal data with any third parties for their own marketing purposes
unless you have provided your consent.

Each of the Euromoney group companies that may contact you is a
data controller in relation to the personal data that you have agreed
to share with them. If you have any questions or concerns, you may
contact the individual company, or us – using the contact details set
out in the “Who We Are” section.

You can opt out from receiving such materials at any time.

The personal data we may use for advertising and marketing
purposes includes your name, email address, job title, phone number,
company name/employer, geo location, postal address and data collected
using cookies and other similar technology (Please read our separate
Cookies Policy to find
out more about which cookies we use, how they work and how you can
control your cookie options).

Marketing materials are sent electronically, by post and we may
occasionally call you.

Online Targeted Advertising

We use targeted advertising on our websites to display
advertisements that are relevant to what we believe are your interests.
In order to deliver relevant advertisements, we use third parties to
deliver cookies that collect information about your IP address and how
you interact with our sites (e.g. browsing information, which articles
you have read etc.). This data is used by the third parties to
determine which advertisements may be of interest to you.

We may also share your personal data with third parties to
deliver targeted advertising to you on other websites (e.g. Twitter
Tailored Audiences or Facebook Custom Audiences). This could include
your email address, cookie data, and information obtained from third
parties. Third party cookies may also be used to enable us to target
advertisements to you on other websites that you visit.

Lead Generation and Scoring

We occasionally use the services of trusted third parties in
order to ensure that the personal data we use for advertising and
marketing purposes is accurate and up-to-date. To do this, we transfer
personal data of individual leads (such as name, email, job title,
location and phone number) to these third parties who conduct research
to verify the data – primarily against public information.

We also use algorithmic software technology to help us improve
the quality and relevance of marketing activities. The personal data
analysed by the software includes email address, phone number, job
title, address, purchase history and account information. This allows
us to provide meaningful offers that are relevant to your specific
profile.

Surveys, Market Research & Customer Feedback

We want to understand the needs of our readers and customers.
We may therefore use the information you provide us – including your
name and contact details – to contact you to request your feedback, or
to participate in our customer and market research.

Public forums, message boards and blogs

Some of the pages on our group websites may include message
boards, blogs or other facilities for generating content from users.
Any information that is disclosed in these areas becomes public
information and you should always be careful when deciding to post any
personal data. User generated content is also subject to our site
Terms & Conditions.

Business or Asset Sale

If we sell a business or assets we may need to disclose your
personal data to the prospective buyer of such business or assets.

If Euromoney, or any of our group companies is sold or sells
our assets or is acquired by a third party, then personal data about
our customers will be acquired by that third party. A transfer of your
personal data in these circumstances would be necessary so that the
services you have contracted for can still be delivered, or so that you
can continue to enjoy the benefits of our free products and services.
You will receive notice if a new controller assumes responsibility for
your personal data.

Additional Third Party Disclosures

We may disclose your personal data to other third parties in the
following situations:

To third party partners who help us by providing services
such as technology, marketing, advisory or other services. These third
parties only receive encrypted data and may only process personal data
to provide those services to us.

Where we are required by law or regulation to do so. In each
case we will seek, where practicable, to minimise the amount of data
that is disclosed.

If required to protect the rights and interests of other
users and/or Euromoney and its affiliates (including our employees,
agents and contractors), or as otherwise set out in our
Terms & Conditions.
This may include exchanging information with other
companies and organisations for the purposes of fraud protection.

Email Tracking

We may include small pixel tags (small image files) within the
emails we send you in order to determine whether our emails are opened
and/or whether the hyperlinks inside our emails are clicked through. We
may also collect browser, location and the device used to engage with
our email communications. This information allows us to better
understand whether we are meeting our users’ needs and how we can
improve our communications. No other information is collected. You can
opt out of receiving our direct marketing emails either by following
the instructions in each email, or by contacting us (see the “Who
We Are” section of this Privacy Notice).

International Transfers

Some of the Euromoney group companies are based outside the
European Economic Area (EEA). If you have consented to being contacted
by our group companies, then the transfer of your personal data will be
made according to the terms of an international data sharing agreement
that contains obligations approved by European data protection
regulators. Any of our group companies that receive your personal data
will be co-controllers of that data, which means they may determine how
they process your personal data – although they may only use it for the
purposes for which it was shared, unless you are informed of new or
additional processing activities.

We may also transfer personal data to third party service providers
as described in this Privacy Notice which are located outside the EEA.
Where we conduct these transfers, we take all steps necessary to ensure
that your data is treated securely and in accordance with applicable
privacy legislation, either by only sending your personal data to
jurisdictions that provide an adequate degree of legal protection for
your data or by imposing approved contractual terms on these third
parties.

Retention Periods

We have a data retention policy that ensures we don’t use or store
your personal data for longer than necessary. We consider the following
issues to determine retention periods:

Guidance from the UK Information Commissioner or other regulatory
agency, or industry best practice recommendations;

The business rationale for collection and expiry of the purpose
for which personal data was collected;

Our ongoing ability to ensure the accuracy of the data; and

Legal and regulatory requirements.

We may occasionally need to keep personal data for either shorter
or longer periods than specified in our retention policy. In such
circumstances, application of the retention period to the data will be
temporarily suspended. The suspension of an applicable retention period
will be carried out in a manner that respects the rights and interests
of all persons concerned.

How You Can Set Your Data & Privacy Preferences

You can use our Preference Centre to select the topics that are of
interest to you so that we can send you publications and information
about our products and services that are especially relevant to you.
You can also choose the channels we use to contact you (email, phone,
post, etc.) and can also opt-out of receiving marketing communications.

Your Rights

You have certain rights in relation to your personal data which
include the following:

Access & Portability

You may request access to any personal data of yours for which
Euromoney is responsible as controller. Unless there are legal or
regulatory reasons for not doing so, we will confirm whether we process
any of your personal data and if we do, we will provide you with the
following information: the purposes of the processing, the categories
of personal data, any recipients of your personal data, the applicable
retention period and the data source. Copies of your personal data will
be made available to you in a structured, machine-readable format.

You may also request that we transfer the personal data that
you have submitted to us, to another controller, where it is
technically feasible for us to do so.

If you have consented to our processing of your personal data,
or if we are processing your personal data in order to fulfil our
contractual obligations to you, then you can submit a request that we
transfer your personal data to another data controller.

Rectification, Restriction, Objection

You have the right to request that Euromoney rectify any errors
in the personal data that we process. In some circumstances, you may
also be able to ask for the erasure of personal data, and/or request
that the processing of your personal data be restricted. You may also
object to the processing of your personal data for sales or marketing
purposes.

How to Exercise Your Rights

To exercise any of these rights, please contact us by post or
email at the following addresses:

Euromoney will do our best to respond to any questions and
address any of your concerns. You are also able to register any
complaints regarding the processing of your personal data directly with
the UK Information
Commissioner.

Protecting Your Data

Euromoney is committed to keeping your personal data secure and we
will take appropriate technical and organisational measures to protect
your personal data from loss, unauthorised use, disclosure or
destruction. Although we do our best to protect your personal data, we
cannot guarantee that any transmission of data is without risk. We have
therefore implemented information security policies and rules, staff
training on information security, and technical measures to ensure the
integrity of data that we have under our control.

All our employees, contractors and data processors (i.e. those
third parties that process personal data on our behalf) are required to
keep such data confidential and not to use it for any purpose other
than the performance of services we have requested.

Third Party Sites

Our site may contain links to other websites – including, for
example, providers of payment processing services. Euromoney is not
responsible for the privacy and data collection practices of third
party sites and we therefore recommend that you review the privacy
policies and terms of service of each site you visit.

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